Before we enter into detailed analysis, here is the ordered ranking of the top 10 crypto exchanges for Finland with the most important data on each at a glance.
Investing in cryptocurrencies carries the risk of partial or total loss of capital. The content of this review is informative and does not constitute financial advice.
1. Bitvavo: The European exchange for trading in euros with low fees
Bitvavo is a Dutch exchange founded in 2018 in Amsterdam and focused on trading in euros. Offers over 400 cryptocurrencies, staking and a simple app, with SEPA deposits and withdrawals that fit well with Finnish bank accounts. Their commissions are 0.15 % maker and 0.25 % taker, and they decrease according to the monthly volume.
Operates under a MiCA license, granted in 2025 by the Dutch regulator (AFM), which allows it to serve throughout the EEA, including Finland. Staking is outside MiCA protection. See full review of Bitvavo
Who is Bitvavo for? For Finnish users who want to buy and sell cryptocurrencies in euros by SEPA transfer, with low fees and MiCA regulation.
Advantages:
- Fees starting at 0.15% for makers and 0.25% for takers
- SEPA Deposits and Withdrawals in Euros
- Over 400 cryptocurrencies and staking
Disadvantages:
- Few advanced trading features
- Staking Outside the Scope of MiCA
- Default withdrawal limit of €25,000 per 24 hours
2. Kraken: Cryptocurrencies and the stock market on a single regulated platform
Kraken is one of the industry’s longest-standing exchanges: it was founded in 2011 and has over 13 million users. It offers more than 700 cryptocurrencies, staking, and over 11,000 stocks and ETFs all from a single account. Kraken Pro adds an order book, margin trading, and an API, with base-level fees of 0.40% for makers and 0.80% for takers.
In the EU it has a MiCA license from Central Bank of Ireland for spot, and its subsidiary in Cyprus, regulated by CySEC, covers derivatives and shares under MiFID II. Between the two it serves all over the EU, including Finland. See full Kraken review
Who is Kraken for? For Finnish users who want to trade cryptocurrencies and stocks on a single regulated platform, from simple purchases to advanced trading.
Advantages:
- European dual license: MiCA for crypto and MiFID II for derivatives and stocks
- More than 700 cryptocurrencies and over 11,000 shares and ETFs in one account
- Kraken Pro with order book, margin, API and 24/7 support
Disadvantages:
- The single purchase costs 1% plus the spread, much more than in Kraken Pro
- Kraken Pro fees only decrease when volume or balance increases
- Crypto withdrawals have a fixed fee that varies by asset
3. Bybit EU: the exchange of Bybit with license MiCA for Europe
Bybit EU is the European platform of Bybit, one of the largest exchanges in the world by volume. Launched on 1 July 2025 for the European Economic Area, including Finland. Offers over 100 cryptocurrencies, trading spot, earn products and the Bybit Card. Its commissions start at 0.25% for both maker and taker orders.
Operates under a MiCA license, granted in May 2025 by the Austrian Financial Markets Authority (FMA) to Bybit EU GmbH, based in Vienna. As of July 1, 2026, EEA users can only trade through Bybit EU. See full review of Bybit EU
Who is Bybit EU for? For Finnish traders looking for low fees and a regulated platform, with more cryptocurrencies and products than a generalist app.
Advantages:
- Austrian FMA MiCA license and headquarters in Vienna
- Spot from 0.25% and up to 0.045% with VIP
- Mastercard card with no annual fee and 1% cashback
Disadvantages:
- Limited derivatives offering against Bybit’s global platform
- Sin acceso a la plataforma global desde el EEE
- One-Click Buy, Sell and Convert have a spread of 1.30%
4. Coinmotion: the Finnish exchange with FIN-FSA’s MiCA license
Coinmotion is one of the oldest exchanges in Europe and a Finnish platform designed for the local market. Allows buying and selling cryptocurrencies in euros, with automatic monthly saving, safekeeping and an OTC service for large amounts. Its base commission is 2%, with discounts based on 90 days of volume.
Operates as a CASP with MiCA license from the Finnish Financial Supervisory Authority (FIN-FSA), granted in July 2025. It was the first company to receive it in Finland. Its fees are not the lowest, but it offers a service designed for Finland. View full Coinmotion review
Who is Coinmotion for? For Finnish users who prefer a local company regulated by FIN-FSA and agree to pay more commission in exchange for simplicity and proximity.
Advantages:
- Finnish FIN-FSA MiCA license
- Local company with service designed for Finland
- Monthly savings, custody and OTC service
Disadvantages:
- 2% base fee, higher than that of global exchanges
- Fewer advanced features than a global exchange
- No derivatives or margin trading
5. Crypto.com: The All-in-One Crypto App for Buying, Earning, and Paying
Crypto.com is one of the world's largest crypto platforms, with more than 150 million users since 2016. It functions as an all-in-one app: you can buy, sell, and store more than 400 cryptocurrencies, with Earn, staking, and a Visa card. Its base fees are 0.25% for makers and 0.50% for takers, with a minimum deposit of 1 €.
In Europe, it operates under a MiCA license from the Malta regulator (MFSA), granted to Foris DAX MT Limited, which allows it to service throughout the EEA, including Finland. Earn and staking are outside the MiCA framework. See full review of Crypto.com
Who is Crypto.com for? For beginner Finnish users who want to buy, earn rewards and pay with crypto from a single app, but without the lowest fees.
Advantages:
- More than 400 cryptocurrencies and all in one app
- Visa card with up to 5% in CRO rewards
- MiCA, EMI and MiFID II licenses
Disadvantages:
- Earn and staking are outside the MiCA framework
- Base fees of 0.25% for makers and 0.50% for takers
- Card Rewards Tied to Staking CRO
6. Northcrypto: Turku’s crypto platform for Finnish users
Northcrypto is a Finnish platform founded in 2018 in Turku, with over 25,000 customers. Allows you to buy and sell more than 260 cryptocurrencies, with automatic saving, mobile app and support in Finnish. Their Northcrypto Private service offers personalized attention for large estates. Fees start at 1.0% and drop to 0.6% if you trade frequently.
Has a MiCA license of the FIN-FSA since November 2025, extended in May 2026 with additional services. Part of the Swedish GreenMerc group, listed on NGM. See full review of Northcrypto
Who is Northcrypto for? For Finnish users looking for a simple local platform, with Finnish support and national regulation, without needing advanced tools.
Advantages:
- Finnish FIN-FSA MiCA license
- Finnish support and online banking verification
- More than 260 cryptocurrencies and automatic savings
Disadvantages:
- Commissions from 1.0%, higher than on global exchanges
- Fast purchase and Autopilot with higher commission (2-3%)
- No derivatives or margin trading
7. Bitpanda: cryptocurrencies, stocks and ETFs in a single European app
Bitpanda is an investment platform founded in 2014 in Vienna, with more than 7 million users. It combines more than 650 cryptocurrencies with stocks, ETFs, and precious metals in a single app. In the basic app, it charges around 1.49% built into the price; on its advanced platform, fees start at 0.05% for makers and 0.15% for takers.
Operates under a MiCA license from the German authority (BaFin), which allows it to service throughout the EEA, including Finland, and also has authorizations in Austria and Malta. See full review of Bitpanda
Who is Bitpanda for? For Finnish users who want to invest in cryptocurrencies, stocks and ETFs from a single clear and regulated app without the need for advanced trading.
Advantages:
- More than 650 cryptocurrencies, as well as stocks, ETFs, and metals
- BaFin MiCA license and other European authorizations
- Low fees on its advanced platform
Disadvantages:
- Spread of around 1.49% in the basic app
- The advanced platform is more complex for beginners
- A €70,000 fine imposed by the FMA in 2026 for a formal violation of MiCA
8. Coinbase: the Nasdaq-listed platform with a MiCA license
Coinbase is one of the world's best-known crypto platforms, listed on Nasdaq and founded in 2012 in the U.S. It allows users to buy, sell, and store more than 400 cryptocurrencies, with staking and an “Advanced” mode featuring an order book. In “Advanced” mode, it charges 0.40% for makers and 0.60% for takers, and the standard buying process includes a spread.
Operates in Europe through Coinbase Luxembourg S.A., under the MiCA license of the CSSF granted in June 2025, valid throughout the EEA, including Finland. Luxembourg is its European headquarters. See full Coinbase review
Who is Coinbase for? For beginner Finnish users who want a well-known, quoted and regulated platform even if they are not looking for the lowest fees.
Advantages:
- CSSF MiCA license and a Nasdaq-listed parent company
- Simple interface, perfect for getting started
- Advanced Mode with an order book and over 400 cryptocurrencies
Disadvantages:
- Base-level fees of 0.40% for makers and 0.60% for takers
- The Basic Purchase option has a higher spread than the Advanced option
- A smaller catalog than that of global exchanges
9. OKX EU: low fees and advanced trading with MiCA license
OKX EU is the European platform of OKX, founded in 2017 and one of the largest exchanges in the world. Offers over 600 cryptocurrencies, trading spot, trading bots, copy trading, staking and a Web3 wallet. Their fees start from 0.08 % maker and 0.10 % taker, and deposits and withdrawals in euros by bank transfer are free.
Operates under a MiCA license granted in January 2025 by the Malta regulator (MFSA), where it has its European hub, and can provide service throughout the EEA, including Finland. See full review of OKX EU
Who is OKX EU for? For Finnish users looking for low fees and more trading features, such as bots and copy trading, under MiCA regulation.
Advantages:
- Fees starting at 0.08% for makers and 0.10% for takers
- More than 600 cryptocurrencies, bots, and copy trading
- Free SEPA deposits and withdrawals
Disadvantages:
- A more complex interface for beginners
- Restricted Derivatives for Retail Investors in the EU
- Fewer features than OKX's global platform
10. Bitstamp: Europe’s oldest MiCA-licensed exchange
Bitstamp is one of the world's longest-running exchanges: it was founded in 2011, is headquartered in Luxembourg, and is owned by Robinhood. It offers more than 150 cryptocurrencies, spot trading, staking, and an advanced platform with an API. Its fees start at 0.30% for makers and 0.40% for takers, and decrease based on monthly trading volume.
It operates under a MiCA license of the CSSF of Luxembourg, granted in May 2025, and also under a MiFID license, which allows it to serve throughout the EEA, including Finland. SEPA deposits are free of charge. See full Bitstamp review
Who is Bitstamp for? For Finnish users who value the trajectory and a regulated platform, with clear fees and a catalog focused on major cryptocurrencies.
Advantages:
- MiCA and MiFID Licenses in Luxembourg
- More than a decade of experience
- Free SEPA deposits and transparent fees
Disadvantages:
- A smaller selection than that of other exchanges
- Fees ranging from 0.30% to 0.40%—not the lowest
- Withdrawals in euros with a flat fee of €3
Comparison Table of Exchanges for Finland
Looking at the 10 exchanges, here is a comparison table that summarizes the crypto catalog, maker/taker commissions and MiCA regulation of each for the user in Finland.
| Platform | Cryptos | Maker / Taker | Regulation |
|---|---|---|---|
Bitvavo
|
400+ | 0,15% / 0,25% | MiCA (AFM, Netherlands) |
Kraken
(Kraken Pro)
|
700+ | 0,40% / 0,80% | MiCA (Central Bank of Ireland) |
Bybit EU
|
100+ | 0,25% / 0,25% | MiCA (FMA, Austria) |
Coinmotion
|
200+ | 2,00% / 2,00% | MiCA (FIN-FSA, Finlandia) |
Crypto.com
|
400+ | 0,25% / 0,50% | MiCA (MFSA, Malta) |
Northcrypto
|
260+ | 1,00% / 1,00% | MiCA (FIN-FSA, Finlandia) |
Bitpanda
|
650+ | 0,05% / 0,15% | MiCA (BaFin, Germany) |
Coinbase
|
400+ | 0,40% / 0,60% | MiCA (CSSF, Luxembourg) |
OKX EU
|
600+ | 0,08% / 0,10% | MiCA (MFSA, Malta) |
Bitstamp
|
150+ | 0,30% / 0,40% | MiCA + MiFID (CSSF, Luxembourg) |
How did we selected the exchanges in this ranking
We compared the MiCA-authorized exchanges available in Finland, combining real-life usage testing with regulatory, technical and user experience assessment. Each platform is evaluated with these six criteria:
| Criteria | What We Evaluate | |
|---|---|---|
| 1 | Regulation | Full MiCA license, verified in the records of the FIN-FSA and the ESMA. |
| 2 | Support and Language | Finnish or English customer service and interface quality. |
| 3 | Taxation | Clear operation reports to testify before Vero. |
| 4 | Euros and SEPA | Agile SEPA deposits and withdrawals, with online banking verification. |
| 5 | Actual cost | Commission, spread, and withdrawal fees measured based on actual trades. |
| 6 | Transparency | Security track record and publication of Proof of Reserves. |
The information in this ranking is informative and educational, and does not constitute financial or tax advice or investment recommendation. Trading cryptocurrencies involves risks, and each user must assess which platform fits their profile and comply with applicable Finnish law. Some links are affiliate: if you open an account through them, Exchange Selector may receive a commission, at no extra cost to you. This does not affect the order of ranking.
If you want to compare other rankings updated for 2026, you can also check:
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(FAQ) Cómo elegir el intercambio de criptomonedas para Finlandia en 2026